Regular and proportionate voluntary savings in private pension funds can become an important part of oldage pensions. However, this can happen if the savings are made for a long period of time. This justifies the target group of the 3rd pension level, which are young people who have started to receive a regular income from their professional activity. One of the most discussed issues in promoting voluntary pension savings is the level of financial literacy. In addition to other motivating factors, such as financial incentives, the level of knowledge of the population about the opportunities to participate in the third pillar of pensions makes them want to build up voluntary savings. Effective communication of information to a precise target audience is one of the main tasks of government agencies in formulating pension policy. In order to assess the impact of various socio-economic factors on young people's knowledge of savings for pension formation, a survey of Latvian youth was conducted in February-March 2021, addressing youth organizations and universities. The survey is designed using closed and semi-closed questions, in several questions respondents were asked to provide ratings using the Likert scale. The survey provides answers to the question about the level of knowledge of Latvian youth about the current pension system, emphasizing the investor's right to handle investments in private pension funds, as well as the basic conditions for creating savings at the 2nd and 3rd pension levels. The task of the study was to analyze the respondents' financial literacy self-evaluation answers based on the main socio-economic factors - gender, age and income. The results of the study confirm that the level of financial literacy of young people differs according to age, gender and income level.

中文翻译：

---

拉脱维亚年轻人的金融素养自我评估

私人养老基金的定期和按比例自愿储蓄可以成为养老金的重要组成部分。但是，如果储蓄很长一段时间，就会发生这种情况。这证明了第三级养老金水平的目标群体是合理的，他们是已经开始从他们的专业活动中获得固定收入的年轻人。在促进自愿养老金储蓄方面，讨论最多的问题之一是金融知识水平。除了经济激励等其他激励因素外，人们对参与养老金第三支柱的机会的了解程度使他们希望建立自愿储蓄。将信息有效地传达给精确的目标受众是政府机构制定养老金政策的主要任务之一。为了评估各种社会经济因素对年轻人对养老金形成储蓄知识的影响，于 2021 年 2 月至 2021 年 3 月对拉脱维亚青年进行了一项针对青年组织和大学的调查。该调查采用封闭式和半封闭式问题设计，在几个问题中，受访者被要求使用李克特量表提供评级。该调查回答了关于拉脱维亚青年对当前养老金制度的知识水平的问题，强调了投资者处理私人养老基金投资的权利，以及在二级和三级养老金水平上创造储蓄的基本条件。该研究的任务是根据主要的社会经济因素——性别、年龄和收入，分析受访者的金融知识自我评估答案。